1. Department of Finance, College of Business Administration in Hawtat Bani Tamim, Prince Sattam Bin Abdulaziz University, Al-Kharj, Saudi Arabia
2. Department of Law, Finance and Control, EM Normandie Business School, Métis Lab., Paris, France
3. Department of Chemistry, College of Sciences and Humanities in Howtat Bani Tamim (Female Section), Prince Sattam Bin Abdulaziz University, Al-Kharj, Saudi Arabia